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Coronavirus and Travel Insurance

Last Updated: Friday, March 27, 2020

Coronavirus Coverage in Travel Medical Insurance

Coronavirus Coverage in Travel Medical Insurance

Due to the outbreak of coronavirus, now known as COVID-19, many international travelers, including visitors to the USA and their family, are concerned about whether medical treatment would be covered if they were to fall sick from coronavirus. As the coronavirus disease continues to spread globally, many visitors in the U.S. or their relatives who are visiting them have many questions:

COVID-19 Travel Insurance for Coronavirus Coverage

COVID-19 Travel Insurance for Coronavirus Coverage

It’s difficult to keep up with warnings and updates from the CDC, the U.S. Department of States, various countries, the World Health Organization, and so on during the ongoing coronavirus pandemic. Everyone has one simple questions: “Will my travel insurance cover COVID-19”? This article provides and overview of different types of travel insurance, travel medical insurance, and trip cancellation as they apply specifically to coronavirus coverage.

Coronavirus Coverage in International Travel Insurance

Coronavirus Coverage in International Travel Insurance

This article focuses primarily on how the coronavirus is taken into consideration in international travel insurance plans such as travel medical insurance, visitors insurance, and travel insurance for persons traveling internationally to the U.S. and other countries. There are some situations where coverage is available, and others where it is excluded. If you’re traveling or considering travel now, you need to be aware of how it could affect your plans.

Coronavirus Travel Insurance FAQ

Coronavirus Travel Insurance FAQ

The CDC confirmed the first case of Coronavirus Disease 2019 (COVID-19) on Jan 21, 2020. After that date, the types of coverage available in new travel insurance policies purchased becomes limited.

Coronavirus and Travel Insurance

An outbreak of the 2019 novel coronavirus, called COVID-19, occurred in the city of Wuhan in central China in December 2019. Since then, it has spread to more than 175 countries, has infected nearly 600,000 people, and has caused more than 25,000 deaths. On March 11, 2020, the World Health Organization made the assessment to characterize COVID-19 as a pandemic. Everyone is looking for answers as the number of people infected with COVID-19 grows every day.

COVID-19 can spread rapidly from person to person. Common symptoms of the 2019 novel coronavirus are similar to flu or pneumonia type symptoms; it can infect the lungs and cause more serious symptoms such as fever, cough, and difficulty breathing. Anyone experiencing these symptoms should obtain medical care. At this time, there is no vaccine available to prevent catching the virus.

On March 27, 2020, CDC has issued Global Level 3 Travel Warning.

Prior to that, as of March, 26, 2020, the Centers for Disease Control and Prevention (CDC) has issued Level 3 Travel Health Notices for the following countries:

  • China (Jan 6)
  • South Korea (Feb 24)
  • Iran (Feb 28)
  • Most European countries* (March 11)
  • United Kingdom and Ireland (March 15)
  • Malaysia (March 18)
  • Australia (March 21)
  • Brazil (March 21)
  • Canada (March 21)
  • Japan (March 21)
  • Israel (March 21)
  • Chile (March 23)
  • Pakistan (March 23)
  • Thailand (March 23)
  • Turkey (March 23)
  • Ecuador (March 24)
  • India (March 24)
  • Indonesia (March 24)
  • Philippines (March 24)
  • Qatar (March 24)
  • Romania (March 24)
  • Saudi Arabia (March 24)
  • Singapore (March 24)
  • South Africa (March 24)
  • Russia (March 25)
  • Argentina (March 26)
  • Panama (March 26)

*The European countries under a Level 3 Travel Health Notice as of March 11 are as follows: Austria, Belgium, Czech Republic, Denmark, Estonia, England, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Northern Ireland, Norway, Poland, Portugal, Republic of Ireland, Scotland, Slovakia, Slovenia, Spain, Sweden, Switzerland, Monaco, San Marino, Vatican City, and Wales.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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